The only time you will pay more than this is if you exceed the exchange fair usage limit for your plan. If you do, you will be charged an exchange fair usage fee on any exchange above the limit. Our Standard plan allows you to make S$5,000 of exchange per month without an exchange fair usage fee, while Premium gives you a S$15,000 allowance. However, after that, an exchange fair usage fee of 0.5% applies. You can avoid this completely by upgrading to a Metal plan (if you haven’t already), which don’t have any exchange fair usage limits.

我旅游一般不会一个月花掉5k外币 所以还没trigger过这个
可能是怕用来炒汇?

MAS规定 annual limit for transactions 是30k 无论哪家都有这个limit 5k/mth岂不是很快就到了